As of January 27, 2026, it looks like things are still a bit of a mixed bag when it comes to home loan interest rates. Zillow Home Loans is showing that while some loan types are seeing a slight dip, many are hovering just shy of that 6% mark. For anyone in the market to buy a home or refinance, understanding these numbers is key to making smart financial decisions.

 

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Today’s Mortgage Rates, Jan 27: 30-Year Fixed Rate Drops Below 6% Level